💵📉 Are banks losing their monopoly?
🔒 Reserves for stablecoins will be "frozen" → banks lose the ability to create money.
💸 Bank margins are 5-7%, in DeFi already 8-12% → capital flows to where returns are higher.
🌍 The share of SWIFT is decreasing (46% → 38%), settlements through stablecoins hit the commission income of banks.
🇺🇸 Stablecoin issuers are actively buying US Treasuries, strengthening their positions in the financial market.
⚖️ Conclusion: traditional banks are losing income and influence, while innovative DeFi structures are becoming competitors for the capital of large players. 🚀
